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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,731 | $84,236+12.5% | $170,435-44.4% | $70,126+35.1% |
| Participation rate | 60.3% | 70.8%-10.5pp | 83.6%-23.3pp | 69.5%-9.2pp |
| Annual return | 14.21% | 23.06%-8.8pp | 205.94%-191.7pp | 73.15%-58.9pp |
| Employer contribution / active EE | $366 | $3,387-89.2% | $5,432-93.3% | $2,343-84.4% |
| Participant deferral / active EE | $2,948 | $3,086-4.5% | $4,939-40.3% | $3,332-11.5% |
| Admin fee / account holder | $7,987 | $5,698+40.2% | $13,881-42.5% | $4,645+71.9% |